The present study represents an in-depth empirical investigation into the service elimination process in the British financial services sector. It aims to make a contribution towards the concise development of the literature on service elimination and to provide empirically based recommendations, which can improve the way financial service elimination is practised. The theoretical part of the study focused first on a review of the characteristics of services in general and of financial services in particular and of the service range management activities of financial institutions. Second, the literature on product and service elimination was reviewed. The bulk of this material refers to conceptual propositions and empirical evidence on elimination from manufacturing settings, while conceptual and empirical material from service and financial service settings is alarmingly sparse. The presents tudy conceptualisedth e service elimination process as consisting of three broad stages, a) the pre-elimination stage, b) the actual service elimination decision-making process and c) the post-elimination stage. The study adopted a research approach based on the broad hypothesis that service elimination decisions are not made in a vacuum (as the limited literature on service and financial service elimination assumes explicitly or implicitly) but that they are influenced by contextual organisational and environmental characteristics of companies. Based on the above conceptualisations, the research objectives were to a) identify the content of the service elimination process (i. e., the decision variables involved in the various steps of the process) b) measure the relative importance/frequency of use of the above content and c) measure the influence of a set of contextual independent variables on the relative importance/frequency of use of the content of the service elimination process. To meet the above research objectives, a pluralistic research method was adopted. For the identification component of the research objectives qualitative research (in-depth interviews) was conducted, while for the measurement component quantitative research was conducted(mail survey). The findings indicated that service elimination decisions were the outcome of a multi-step process, which with very few exceptions (i. e., the way in which British financial institutions identified financial services as candidates for elimination) was found to be largely informal and unsophisticated. Moreover service elimination was rated as the least important service range management activity and was allocated the least amount of resources (temporal, monetary and human). The findings also suggested that the content of the service elimination process was both similar and different to elimination practice in manufacturing settings. Among the most obvious similarities was the paramount importance of sales and profitability considerations in making products and financial services candidates for elimination. Among the most striking differences was that while a product is fully eliminated, partial elimination was the predominant outcome of the service elimination process in the studied setting. With regards to the contextual influence, it was found that the relative importance/frequency of the decision variables involved in the service elimination process varied in relation to the type and the size of individual financial institutions, the pursued overall business strategy, and degree of market orientation, the degree of formalisation of the service elimination process, the number of services in the range (service diversity), the type of financial service which is considered for elimination, the method of its delivery process, the intensity of competition and of the legislative environment and the volatility of the technological environment. As such, the findings confirmed the hypothesised dynamism of the service elimination decisions and suggested that any attempt to describe the service elimination process in a golden rule way that fits all companies, all financial services and all environmental circumstances would be misleading.

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In terms of effective branding, several recent trends have indicated the need for greater attention within the organisation than has traditionally been the case. With increased emphasis on corporate branding, the team responsible for managing a brand is becoming larger and more diverse and <i>all</i> staff, as the corporate brand's representatives, affect consumers' perceptions of the corporate brand. Furthermore, the shift in emphasis in the literature from the externally perceived brand image to the internally created brand identity entails actively creating how an organisation wishes to be perceived. To project a consistent corporate brand successfully to consumers, all staff need to have congruent perceptions about the brand's identity. The aim of this research was to identify internal factors influencing brand team members' and consumer-facing staffs perceptions of their brand's identity and the impact of these factors and perceptions on consumers' perceptions and brand performance. A conceptual model was developed and associated hypotheses formulated. Studies were conducted using postal questionnaires with three stakeholder groups in the financial services sector: (i) brand team members, (ii) consumer-facing staff and (iii) consumers. Although failing to identify correctly all of the intervening variables, support was found for sections of the conceptual model. The research confirmed that larger corporate brand teams increased the diversity of members' functional backgrounds. While brand teams composed of members with diverse functional backgrounds potentially have a wider range of knowledge and information available to them, diversity in brand team members' characteristics was found to impair the congruency of their brand perceptions. The importance of congruent brand perceptions among different stakeholder groups and the effect of congruent brand perceptions on brand performance were demonstrated. The results emphasised the need for improved internal brand communications and highlighted the influence of consumer-facing staff on consumers' brand perceptions.

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This research portfolio consists of three papers that together investigate the intangible returns generated from customer relationship management (CRM) programmes. / Thesis (DBA(DBusinessAdministration))--University of South Australia,

This research portfolio consists of three papers that together investigate the intangible returns generated from customer relationship management (CRM) programmes. / Thesis (DBA(DBusinessAdministration))--University of South Australia,

The thesis extends previous loyalty research by comparing the performance of brands in subscription markets, specifically financial services and insurance, on a cross-category basis. Large investments are made in these industries on cross-selling initiatives with the hope of bringing about brand growth through increased loyalty. This research found very little variation between the loyalty scores for major brands in each market, suggesting that cross selling attempts are likely to play only a minor role in brand performance. / thesis (MBusiness-Research)--University of South Australia, 2005.

Thesis (Ph.D.)--University of British Columbia (Canada), 2007. / Includes bibliographical references.

Thesis (Ph. D.)--Dalhousie University, 2003. / Includes bibliographical references (leaves 342-384).

Thesis (Ph.D.)--City University of Hong Kong, 2010. / "Submitted to Department of Information Systems in partial fulfillment of the requirements for the degree of Doctor of Philosophy." Includes bibliographical references (leaves 104-118)